Pension Payment After Death: Who Gets What?
After a death, the deceased’s retirement pension, partner and orphan pensions, and Anw are separate provisions. Eligibility and amounts depend on the…
Read moreUp-to-date insights on pensions, AOW and financial planning.
Dutch senior and single-pensioner tax credits
For 2026, ouderenkorting is at most €2,067 and alleenstaandeouderenkorting is €540. Income, AOW entitlement and tax status determine their effect.
Dutch healthcare contributions and pension income in 2026
The health-insurance deductible, Wmo contribution and Wlz contribution are different costs. Use 2026 amounts and conditions and your own CAK decision when…
Building a Pension as a DGA: What Options Do You Have?
A director-major shareholder must distinguish existing pension obligations from new saving. New in-house pension accrual ended on 1 July 2017; annuity…
Pension Income and Mortgage Interest Deduction: What Changes After Retirement?
Retirement does not automatically end mortgage-interest deduction. Loan conditions, the remaining deduction period and your overall tax position determine…
Dutch informal care leave and pension
Informal care can affect pay and pension. Leave type, collective agreement and pension rules determine what continues; reducing work does not cause a fixed…
AFM Pension Oversight: How the Dutch Financial Markets Authority Protects Participants
Pension information must be correct, clear, balanced and timely. AFM supervision does not mean prior approval of every letter or a guarantee of your pension.
Changing a Dutch employer pension scheme
A pension amendment requires understanding old and new terms, the power to amend them and the consequences for employees. New legislation does not generally…
Stopping as a Freelancer: What Happens to Your Pension?
Stopping self-employment does not automatically terminate pension products or tax obligations. Check contracts, returns and conditions before stopping…
Pension Awareness Among Students and Starters in the Netherlands
Pensions can matter even in a student job. Ask which scheme applies, check your payslip and pension statement, and distinguish AOW, workplace pension and…
Pension for a DGA: what every director-major shareholder needs to know
A director-major shareholder should assess existing pension obligations, personal provisions and business assets separately. The company’s value is not…
Jaarruimte and Reserveringsruimte: Tax-Efficient Pension for Self-Employed
The 2026 annual allowance uses 2025 data. Its ceiling is €35,589; unused allowance from 2016–2025 can provide up to €42,753 reserve allowance. Your own…
Anw Benefit (General Survivors Act): Conditions and Amounts
Anw has eligibility and income rules. A pension-fund or insurer’s partner pension is not deducted; two thirds of relevant employment income above the…
Seasonal work and Dutch pension accrual
Short seasonal work can also build pension. The scheme, age and period worked determine accrual; a long general StiPP waiting period no longer applies.
How to Check Your Dutch Pension as a Foreign Worker
Check Dutch AOW and workplace pensions with the relevant providers. If you have worked in several countries, add foreign and individual provisions to your…
Moving house after retirement in the Netherlands: financial tips
Moving after retirement can change space, accessibility and costs. Compare complete budgets for staying, buying and renting; a smaller home is not…
Mijnpensioenoverzicht.nl: Your Total Pension at a Glance
Mijnpensioenoverzicht brings together AOW and workplace-pension information. Use it as a starting point: add private annuities, savings, debts and spending…
Sustainable Pension Investing: ESG and Your Pension Fund
ESG concerns environmental, social and governance matters. Pension funds can consider them in different ways. The ESG label alone does not prove social…
Wft competence: PE examinations and current knowledge
Wft competence combines a valid qualification and PE for advisers with continuously current knowledge for substantive customer contact. The statutory system…
Pension Accrual in the Netherlands: How Much Retirement Income Will You Receive?
Calculating pension starts with the scheme type. An average-pay formula is not a universal calculation for defined contributions, AOW or net income.
Dutch pension advice for self-employed (ZZP): what matters in 2026
Pension advice for the self-employed starts with existing rights, compulsory participation, income and reserves. Personal product choices belong with an…
Multiple jobs at once: Dutch pension accrual
Several jobs do not automatically mean a double pension-franchise loss. Check each scheme’s part-time calculation, contribution, cover and payroll tax credit.
Pension during long-term sick leave in the Netherlands
Illness and incapacity for work can affect your pension. Continued accrual, contribution waivers and early-retirement consequences depend on your scheme and…
Dutch digital UPO pension statement
A UPO is information from your pension provider about your pension. It may be delivered digitally or on paper. Check the reference date and keep important…
Converting Pension Capital to a Lifetime Annuity in the Netherlands
Your pension scheme determines how capital becomes income. The option to take up to 10% as a lump sum is unavailable in 2026; the announced start date is 1…
Dutch pension risk profile test
Research into risk preferences for groups of members differs from your individual risk profile when making investment choices. The questions and options…
Dutch Professional Pension Funds: Pensions Through Your Profession
An occupational scheme for a profession covers a defined professional group. Mandatory participation depends on its official scope and your work; a job…
DigiD for checking your Dutch pension online
DigiD lets you sign in securely to Mijnpensioenoverzicht, My SVB and many pension providers. Never share your login details; ask the provider for an…
Pension Premium: Who Pays What?
Pension contribution sharing follows your scheme and employment terms. Check the rate, base and split; a national average does not determine your bill.
Dutch employer pension costs explained
Pension costs depend on the scheme, participants and administration agreements. Budget separately for accrual, risk cover, administration and any transition…
ESG Policy at Pension Funds: What Can You Do as a Participant?
You can ask your pension fund how it considers environmental, social and governance matters. Assess concrete objectives and results; an ESG label or…
Vacation Budgeting in Dutch Retirement
A retirement holiday budget starts with your own income, regular expenses and available reserve. AOW holiday allowance, medical cover and extended stays…
Pension and Mortgage: How Much Can You Borrow?
A mortgage after retirement may be possible. A fixed income multiple or general housing-cost percentage does not reliably establish your personal borrowing…
Pension After Job Loss in the Netherlands: What Happens to Your Accrual?
Employer-funded pension accrual normally stops when employment ends, but accrued rights and insured risks need separate checks. Ask about continuation and…
RVU in 2026: conditions and fiscal threshold
Since 2026 the RVU threshold exemption is structural, with periodic review. Fiscal headroom does not automatically entitle an employee to an RVU payment.
Life Insurance and Pension: Necessity or Luxury in the Netherlands?
Term life insurance can pay an agreed amount on death within the insured period. Whether additional cover is needed depends on existing arrangements and the…
Informal caregiving after 50 and your Dutch pension
Informal care can affect pay and pension. Leave type, collective agreement and pension rules determine what continues; reducing work does not cause a fixed…
Gifting to Grandchildren from Your Dutch Pension Budget
The annual gift-tax exemption for a grandchild is €2,769 in 2026. Grandparents who are partners for gift-tax purposes share that allowance as one donor.
Early Retirement in the Netherlands: Is It Still Possible in 2026?
Stopping work early does not automatically reduce AOW. Calculate the bridge to AOW and the effect on your workplace pension separately.
Dutch Survivors Pension: What Does Your Partner Receive When You Die?
After a death, the deceased’s retirement pension, partner and orphan pensions, and Anw are separate provisions. Eligibility and amounts depend on the…
Remarrying after 50 and your Dutch pension
Remarriage or cohabitation may change AOW, Anw, partner pension and inheritance rights. Check them separately; partner definitions are not identical across…
Sector RVU arrangements in 2026: check your collective agreement
Since 2026 the RVU threshold exemption is structural, with periodic review. Fiscal headroom does not automatically entitle an employee to an RVU payment.
Self-employed via a Dutch staffing agency: pension rights
Working through an agency does not by itself establish self-employment, temporary employment or payroll employment. The actual working relationship and…
What Happens to Your Pension When You Are Dismissed?
Employer-funded pension accrual normally stops when employment ends, but accrued rights and insured risks need separate checks. Ask about continuation and…
When Is Pension Value Transfer Worth It (or Not)?
A pension transfer can consolidate entitlements but does not automatically increase your pension. Compare rights, risks and partner cover before accepting a…
Pension Cuts Explained: When Is Your Pension Reduced?
A lower pension can have different causes. Ask whether it is a reduction of accrued rights, a variable payment, a changed projection or a lower net amount…
Dutch Burnout and Pension Accrual: What Is the Impact?
Illness and incapacity for work can affect your pension. Continued accrual, contribution waivers and early-retirement consequences depend on your scheme and…
Ombudsman Pensioenen: Free Complaint Handling for Pension Disputes
A pension complaint starts with your provider. Since 2024, the Pension Funds Disputes Authority (GIP) handles pension-fund disputes, with mediation by the…
Dutch pension fund mergers: what they mean for you
A merger, liquidation and collective pension transfer are different events. Ask which legal route applies and what it means for your rights, risks and…
Pension Value Transfer in the Netherlands: Taking Your Pension to a New Employer
A pension transfer can consolidate entitlements but does not automatically increase your pension. Compare rights, risks and partner cover before accepting a…
International pensions in the Netherlands: rights and checks
An international career can create rights in several countries. Social insurance, workplace pensions and tax follow different rules and require separate checks.
Dutch task platform workers and pension
Platform work does not exclude compulsory pension participation. Check your actual employment relationship and the rules for your activities, then review…
Brexit and Dutch Pension: Consequences for British Expats
Brexit did not automatically extinguish accrued Dutch pension rights. Applicable insurance and tax rules depend on your circumstances and pension type.
AFM rules on Dutch pension communication in 2026
Pension information must be correct, clear, balanced and timely. AFM supervision does not mean prior approval of every letter or a guarantee of your pension.
Pension Insurance vs Damage Insurance: What Are the Differences?
Pension insurance, annuities and non-life insurance serve different purposes and follow different rules. Check the actual contract, covered event, payment…
Pension During Debt Restructuring (WSNP): What Are You Allowed to Keep?
Pension income is considered during the Wsnp, but you retain a calculated living allowance. For admission from 1 July 2023, the usual duration is 18 months.
Dutch medical aids and your pension budget
An aid may be funded through health insurance, the municipality or long-term care, depending on the aid and living situation. Ask about authorisation,…
Dutch pension advice before emigrating: finding a cross-border specialist
Emigration requires separate checks of AOW insurance, workplace pensions, annuities, tax and healthcare cover. Moving abroad does not automatically require…
30% Ruling and Pension Accrual: What Is the Impact on Your Pension?
The expat ruling remains at up to 30% in 2026. From 2027 the general maximum is 27%, with transitional protection. Pension effects depend on the salary…
Dutch pension robo-advisers
A digital pension service may provide information, sell products without advice or automate personalised advice. Check which service you receive and which…
Pension and Part-Time Work: Impact on Your Accrual
Part-time work usually reduces pension accrual proportionately. The AOW franchise continues under the Wtp; the part-time factor must be applied correctly.
Alternative Investments in Dutch Pension Funds
Pension funds may invest in private equity, infrastructure and other alternative assets. Potential returns must be weighed against costs, valuation…
Dutch adoption leave and pension accrual
Adoption or foster-care leave and pension accrual have different conditions. Agree on leave, benefits, pension base and contribution sharing with employer…
Dutch pension fund governance: who decides about your pension?
The board operates the pension scheme and must balance interests fairly. Internal supervision and member representation have distinct roles; the fund's…
What Does a Dutch Pension Fund Do? Explained for Participants
A pension fund administers and operates pension schemes, manages and invests assets and pays benefits. Your scheme determines the rights, contributions,…
Identifying and mitigating Dutch pension risks
Pension risks concern income, purchasing power, longevity and changes in work or family. Start by identifying your different income sources and their…
Government Pension Netherlands: Accrual, Premium and Benefit Explained
Many government and education employees accrue pension with ABP. Check participation, current scheme and payslips; not every public-sector role has…
Dutch longest-living testament and pension
A will governs the estate, but not automatically every pension and insurance payment. Check inheritance rules, beneficiary designations and tax conditions…
Reverse Mortgage (Equity Release): Eating Your Bricks
An equity-release mortgage is borrowing secured against your home. Added interest increases the debt; residence rights, partner protection and shortfall…
Dutch orphan pension for foster and stepchildren
A foster child or stepchild may qualify for an orphan pension, but cohabitation or guardianship alone does not establish entitlement. Ask your administrator…
Pension for Job-Hoppers: How to Manage Fragmented Pension Accrual
Several jobs can leave pensions with several providers. Keeping records and comparing terms carefully matter more than automatically merging everything.
International employee shares and Dutch pension
Employee shares can affect wages, private assets and retirement planning. The type of right, conditions and countries of work determine treatment; share…
Premium Exemption During Disability in the Netherlands: How Does It Work and How Do You Apply?
Illness and incapacity for work can affect your pension. Continued accrual, contribution waivers and early-retirement consequences depend on your scheme and…
Dutch SVB pension overview: requesting your AOW record
Check your personal AOW date and insured periods with SVB. Accrual, application and payment are separate steps; employer pensions have their own rules.
Building Your Pension as a Freelancer in the Netherlands: The Complete Guide
Freelancer pension planning starts with AOW and existing pensions, an accessible buffer, and any qualifying annuity contributions within your own tax allowance.
Pension during sick leave in the Netherlands: accrual and benefits
Illness and incapacity for work can affect your pension. Continued accrual, contribution waivers and early-retirement consequences depend on your scheme and…
Dutch wealth planning: your home and your pension
Your home may be important to a retirement budget, but equity is not freely available monthly income. Compare housing costs, liquidity and risks before…
Pension Transition Compensation in the Netherlands: Who Gets What?
Compensation during the pension transition depends on the scheme and your circumstances. Age alone does not create an automatic right to a fixed payment.
AOW Retirement Age Calculator: When Do You Get Dutch State Pension?
Check your personal AOW date and insured periods with SVB. Accrual, application and payment are separate steps; employer pensions have their own rules.
Difference Between Dutch Annuity, Pension and Bank Savings
AOW, workplace pensions and annuities have different rules. AOW is not the same amount for everyone, and the announced start of the 10% lump-sum option is…
Negotiating your Dutch pension as an employee
Pension is an employment benefit. What you can negotiate depends on the collective agreement, any compulsory participation, scheme rules and tax and…
Dutch pension agreement explained
A pension agreement records pension arrangements between employer and employee. Read it with the pension rules and administration arrangements; these…
Pension Pot and Means Test for Social Assistance: Does Your Pension Count?
Social assistance depends on income, available assets and your household. Pension entitlements, current payments and a surrender lump sum require separate…
Build an Inflation-Resistant Pension: Tips and Strategies
Inflation reduces what a fixed amount of money can buy. Distinguish pension amounts in euros from purchasing power; no general strategy guarantees complete…
Dutch Net Pension Scheme: Building Pension Above the Cap
A qualifying net pension can supplement retirement saving above the fiscal salary ceiling. Contributions come from net income; tax exemption and suitability…
How to Apply for Dutch AOW: Step-by-Step Guide
Check your personal AOW date and insured periods with SVB. Accrual, application and payment are separate steps; employer pensions have their own rules.
Pension premium waiver during work incapacity (PVA) explained
Illness and incapacity for work can affect your pension. Continued accrual, contribution waivers and early-retirement consequences depend on your scheme and…
Wft Pension Module: What Does It Cover?
The Adviseur Pensioen professional qualification consists of Basis, Vermogen and Pensioen. A single module or training certificate does not provide full…
EU IORP II Directive and Dutch pension funds
IORP II is the European framework for institutions providing occupational pensions. It sets governance, risk-management, supervision and information…
Pension and emigration: what happens when you leave the Netherlands?
Emigration requires separate checks of AOW insurance, workplace pensions, annuities, tax and healthcare cover. Moving abroad does not automatically require…
Pension and taxes in the Netherlands: how is your pension taxed?
Your net pension depends on total income, age, tax credits and any healthcare contributions. Low withholding by one payer does not guarantee a low final tax…
Compensation in the Future Pensions Act (Wtp): Is Everyone Treated Fairly?
Compensation during the pension transition depends on the scheme and your circumstances. Age alone does not create an automatic right to a fixed payment.
Payroll and Pension: Are You Building Through the Payroll Company?
Payroll employment and temporary-agency work do not follow identical pension rules. Ask which employment relationship and pension scheme apply to you.
Getting a second opinion on Dutch pension advice
A second opinion can examine the assumptions, risks and alternatives in pension advice. The lump-sum option is not yet available in 2026.